Home buying techniques
Should the sale come first?
Should buying come first?
When replacing your home, the timing of "selling" and "purchasing" is important. It would be best to do it at the same time, but in reality, this is quite difficult. Let's compare the advantages and disadvantages of selling first and buying first, and consider which type of replacement is best for you.
Sell-first type
This method involves first selling your current home, finalizing your budget (financial plan), and then searching for a new property to purchase. If you have not yet identified a property to purchase, this is a safe and reliable method.
merit
Once the selling price is decided and the amount to be used for the purchase is confirmed, it becomes easier to make a financial plan for the property you are purchasing.
Since there is no need to rush the sale, you can negotiate the price with a certain degree of leeway. Also, even if you stop buying a new home, you will still have a home to live in.
Disadvantages
Once the sale is decided, you will need to find a new home before handing the property over to the buyer.
If you can't decide on a property to purchase, you may need to find temporary housing, which will increase your expenses.
Buy-first type
This is a method in which you first decide on a property to purchase and then sell it. Since you cannot use the funds gained from the sale, this is effective if you have financial leeway.
merit
You can take your time to search for a property that meets your desired criteria.
There are no extra costs for temporary housing, etc., and handover and relocation can be done smoothly.
Disadvantages
-
新しい家の取得までに今までのお住まいを売却できない場合、ダブルローンになってしまうこともあります。
-
なかなか売却できない場合、どうしても売りあせって、買主に主導権を握られてしまう可能性もあります。
Tips for successful replacement
To be successful in your replacement purchase, it is important to have an accurate understanding of your own financial situation, including how much you can sell your current home for, how much you will have left in your hands (the selling proceeds), whether you can prepare the funds or take out a loan if there is still a balance to be paid, and how much of your own money you can prepare.
CENTURY 21 staff have a wealth of experience and a proven track record, and will provide you with accurate advice and heartfelt assistance to help you make the best possible replacement purchase. Please feel free to contact us.
"Those with outstanding debts"
Recommended Plans
When you get a sales appraisal to see how much your current home is likely to sell for, if the selling price is likely to be less than the remaining balance (remaining mortgage amount), you are in a situation where you do not have much financial leeway.
Check how much of your own money you can prepare and how much of a loan you can take out, and get a rough idea of how much of a property you can purchase.
Finding a new home is important, but if your current home does not sell, you will not receive the funds to purchase and will not be able to finalize your financial plans, so a ``sales-first'' replacement is a safe option.
Don't rush into selling, negotiate the price at your leisure, and aim to sell for as much as you want. Unless you have a lot of your own funds, we recommend that you take your time to look for a replacement property that you can afford without taking out a large loan.
"Those who have no outstanding debts"
Recommended Plans
If you sell your current home, the sale price will be almost the same as your remaining mortgage amount, or you will likely have a small profit from the sale, then you are in a financially comfortable position. However, if you are purchasing a new property for a price significantly higher than the sale price, you will need to take out a new loan, so a replacement plan that involves selling first and looking for a new property at the same time is probably a good idea.
For those who are purchasing a property that is roughly the same price as the selling price, or a property that can be covered by the selling price plus their own funds, there is almost no financial risk, so the "purchase first" replacement plan would be fine. It is fine to search for the ideal home until you are satisfied, purchase it first, and then start selling once you have a replacement home in mind.
However, it may be difficult to sell, so it is important to carefully determine the timing.
Flow of purchase
Step 1
Sales enquiries
まずはお客様のお悩み、ご要望をお聞かせください。
お電話、メールまたは訪問にてお伺い致します。
Step 2
Property survey and appraisal
Visit and assess your home.
We will compare your offer with other successful transactions and provide you with an estimated price.
(Confidentiality/Free)
Step 3
Brokerage contract
Enter into a sales contract.
We will determine the sales price, sales method, etc. based on customer requests.
Step 4
Sales activities and reports
We use multiple advertising media to find potential buyers.
We will report to customers and provide consultation as appropriate.
Step 5
Sales contract
Both the seller and the buyer must be fully satisfied in advance before entering into a sales contract.
Prevents problems before they occur.
Step 6
Preparing for handover
We will take responsibility for adjusting the schedule so that the property can be handed over to the buyer smoothly.
Step 7
Balance payment and delivery
Once the remaining payment has been received from the buyer, it's time to hand over the keys.
When paying off the remaining loan balance with the remaining balance, you pay it off in full at the time of settlement.
Step 8
After-sales support
お引渡し後の買主様からのご質問の窓口となります。
ご売却に係る税金のご相談も無料で行います。
Information on the BS Purchase Guarantee System
For customers considering replacing their product
When it is time to buy a new home, even if you find a suitable property, you may be worried about what to do if your current home doesn't sell, or if you have to take out a second mortgage.
Don't worry! You no longer have to worry about that. With our "BS Purchase Guarantee System," you can receive reliable support from selling to purchasing. If you use this system, your purchase financing plan will also be confirmed, so even if you find a property you want, you will not miss the chance to purchase it.
If we are unable to sell your current home within a certain period of time, we will purchase it from you at the pre-assessed price.
Recommended for these customers!
✅ You want to sell your property within a certain period of time ✅ You still have a mortgage on your current home and are worried about having a double mortgage ✅ You have already found the property you want, but are having trouble selling it ✅ When it's time to replace your home, you want to avoid the extra expenses of renting a home, so please contact our sales representative for more details.
Terms of Use
Target customers: Those who are willing to enter into an exclusive agency contract for sales
Target properties: Land, used detached houses, used condominiums, used buildings, etc.
Target area: All of Tokyo
Purchase date: After a certain period of time (negotiable)
Flow of purchase guarantee
（１）お住まいの査定
現在のお住まいの近隣相場を確認、役所での調査や経済情勢等を判断材料とし、
一般のお客様への売却価格、当社での買い取り価格をご提示致します。
※センチュリー２１独自の価格査定によります。
（２）買取保証契約の締結
（３）新居ご購入
（４）販売開始
売却物件に対して当社と専属専任媒介契約を締結し、販売を開始致します(一定期間)。
※センチュリー２１のネットワークを最大限に活用して販売活動を行ないます。
（５）ご売却
ａ．一定期間内に売却価格にて一般のお客様との売買契約が成立した場合は仲介により売却が
完了いたします。
ｂ．一定期間内での売買契約が不成立の場合、当社買取価格にて買い取らせて頂きます。
※売却価格とは、近隣相場から算出した一般販売価格のことです。
※買取価格とは、当社にて買い取る価格のことです。